When I needed a windshield, I called the insurer who sent a repairman to install a new one. The car was in my driveway and I was at work when it was done. Came home to a new windshield at no cost to me. It is not considered an accident that will cause premium to go up.I think so, i just hate having to do that. I'll price a windshield out cash first. Sometimes i've gotten a good cash price vs filing a claim.